Bank Housing Loan in the Philippines – Let’s Compare Them!

In order for you to avail the great deals in DISCOUNTED House and Lot or Condominium Properties, it is best if you will Have Yourself PRE-QUALIFIED with Bank Housing Loans or Pag-Ibig Housing Loans. Give yourself some favour and start ‘Playing’ with how much you can afford and what bank or financial institution will be best for you.

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Bank Housing Loans

Now, here are some comparison of the Bank Housing Loan in the Philippines. The numbers or requirements may vary in time, but may serve as A GUIDE in planning your property investment for you and your family.

Note: The following banks listen has been numbered in random, and does not represent the level of importance.

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#1. Metrobank Housing Loan

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#2. BDO Banco De Oro Bank Housing Loan

Competitive Rates

  • Budget and project your expenses, knowing your rate and payments will stay the same. You have an option to fix interest rates up to 20 years based on prevailing home loan rate.
  • Fixed Rates (as of January 3, 2011):
  • 7.88% fixed for 1 year
  • 9.75% fixed for 2-3 years
  • 10.00% fixed for 4-5 years
  • 11.00% fixed for 6-10 years
  • 11.25% fixed for 11-15 years
  • 11.5% fixed for 16-25 years
  • Yearly repricing after the fixing period

Loanable Amount

  • Minimum: P500,000.00
  • Maximum: Based on appraised value of property
  • Up to 80% of appraised value for house & lot
  • Up to 80% of appraised value for townhouse
  • Up to 70% of appraised value for vacant lot
  • Up to 70% of appraised value for condominium

Flexible Payment Terms

  • 20 years for house & lot, townhouse
  • 15 years for condominium
  • 10 years for vacant lot
  • The age of the borrower should not exceed 65 years old at loan maturity and the term of loan should not exceed the remaining economic life of the property
  • We do not collect pre-payment penalties but we charge PhP 2,000 as a processing fee for full payment of loan before maturity

Pre-Approval Requirements

If locally employed

  • Latest Income Tax return (ITR)
  • Certificate of Employment with Compensation OR latest full month payslip
  • If employed abroad
  • For seamen: latest crew contract and employment history
  • For nurses, contract workers and immigrants: employment contract or Certification of employment & salary (to be authenticated by the Phil. Consulate upon loan approval)
  • Proof of monthly remittances OR payslips for the past three (3) months

If self-employed

  • Income Tax Return (ITR) for the last 2 years
  • Financial statements for the last 2 years (Audited and In-house, if applicable)
  • Certificate of Business Registration with DTI or SEC Business Registration & By-Laws, whichever is applicable
  • Top three (3) major suppliers and customers with contact persons and numbers
  • Photocopy of the Statement of bank accounts for the last six (6) months OR photocopy of passbook for the past six (6) months
  • For Rental Income: Copy of TCT/CCT and lease contract from rented/leased properties

Documentary Requirements

Collateral Papers

  • Copy of TCT / CCT
  • Lot plan and vicinity map certified by a Geodetic Engineer
  • Master Deed of Declaration of Restrictions (for condominiums)

For construction/renovation

  • Building plan or floor plan
  • Bill of materials
  • Building specifications (certified by a Civil Engineer)

For refinancing

  • Statement of account or latest three (3) months official receipts

Others

  • Marriage contract
  • Valid ID (primary IDs eg. Driver’s License, passport, SSS, etc)
  • Owner’s Collateral Appraisal Authorization
  • Appraisal fee

Post Approval Requirements

  • Original Owner’s Duplicate Copy of Title (TCT or CCT) registered under the name of the borrowers
  • Original Copy of Tax Declaration (for Land & Improvement) registered under the name of the borrowers
  • Original Copy of Tax Clearance for the Current Year (for Land and Improvement)
  • Original Copy of Current Year’s Real Estate Tax Receipts (for Land and Improvement)

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#3. Land Bank of the Philippines Housing Loans

a) SPECIFIC FEATURES OF SOCIALIZED HOUSING:

Loan Purpose

  • Purchase of a new house and lot package.

Eligible Borrowers

  • Must not legally own a house and lot, and has not availed of any housing loan from any of the three funding institutions (SSS/GSIS and HDMF) and/or any accredited lending window under the UHLP.
  • Must have a Gross Family Monthly Income (GFMI) of P10,000.

Amount of Loan

  • From P 80,000 up to P 180,000

Loan Value:

  • LBP Funds – 100 % of the appraised value
  • GSIS Funds – 80% of the appraised value

Interest Rate:

  • LBP Funds – 9 % p. a. fixed throughout the term of the loan
  • GSIS Funds – minimum 13% p.a. fixed throughout the term of the loan

Penalty Rate

  • 1/15 of 1% per day based on the total monthly amortization and other loan obligation due

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b) SPECIFIC FEATURES OF OPEN HOUSING:

Loan Purposes

  • Construction of a new house or dwelling unit;
  • Purchase of a lot and construction thereon of a new house or a dwelling unit;
  • Purchase of house and lot, condominium or a townhouse unit;
  • Purchase with assumption of mortgage of an existing house and lot unit previously financed under the Unified Home Lending Program (UHLP);
  • Purchase of an existing house and lot unit foreclosed by a lending agency or bought back by the Developer/Originator or Home Guaranty Corporation under the UHLP; and
  • Purchase of a lot under the National Housing Authority (NHA) site and services program.

Eligible Borrowers:

  • Must not have availed of any housing loan from any of the three funding institutions (SSS/ GSIS or HDMF) and/or any accredited lending window under the UHLP, either as a Borrower or as a Co-borrower except for the purpose of residential lot purchase only. When a co-borrower has been relieved of responsibilities as co-borrower, he/she shall be qualified as a borrower under this program.
  • Must have a Gross Family Monthly Income (GFMI) of above P10,000.00.

Amount of Loan:

  • LBP Funds – P 181,000 up to P 5 Million

Loan Value:

  • 90 % of the appraised value for loans P181,000 up to P500,000
  • 80 % of the appraised value for loans P 501,000 up to P2 Million
  • 70 % of appraised value for loans above P 2 Million but not to exceed P 5 M

Interest Rate:

LANDBANK Funds:

  • 13% p.a. for loans P 181,000 to P500,000 with annual repricing based on EASY Home Loan (EHL) posted rate
  • EHL posted rate for loans above P 500,000 with annual repricing.

Penalty Rate

  • Twenty-four (24%) percent p.a. based on the total monthly amortization and other loan obligation due

HGC Guaranty

  • Cash and Bond guaranty on the outstanding principal balance of the guaranteed loan plus interest thereon at 8.5% to 11% depending on the loan amount.

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c) COMMON FEATURES OF SOCIALIZED AND OPEN HOUSING

Eligible Borrowers:

  • Members of good and active standing of the following:
  • a. SSS/GSIS as evidenced by a valid Certificate of Loan Eligibility (CLE) issued by these agencies; and
  • b. HDMF, provided the borrower submits a duly notarised affidavit certifying that he has no existing loan with the said agency .
  • Employed on a regular permanent status for at least two (2) years without pending administrative case, negative credit findings and negative court cases.
  • Self employed with at least two (2) years in business, without negative credit findings and negative court cases.
  • Gross Family Income maybe sourced from a maximum of three (3) family members who are likewise members of either GSIS/SSS/HDMF. Family members may include the following:
  • For married applicant – spouse and single children
  • For single applicant – parents
  • Must have a minimum monthly net take home pay (MNTHP) of P2,000.00 after statutory deduction and debt-servicing of long term loan.

Loan Amount:

  • The loanable amount shall be the lowest of the following:
  • Amount applied for;
  • Contract price;
  • Actual need as determined by the bank;
  • Paying capacity of the borrower;
  • Loan value of the collateral to be determined by the bank

Term of the loan

  • Maximum of thirty (30) years
  • The term of the loan shall not exceed the difference between the age of the borrower at the time of loan approval and retirement age of sixty-five (65) or seventy (70) years of age, which ever is applicable.
  • Likewise, it shall not exceed the useful life of the existing or proposed improvement.

Security/Collateral:

  • Preferably First Real Estate Mortgage (REM) on Transfer Certificate of Title (TCT) or Condominium Certificate of Title (CCT) in favour of LBP. HGC Guaranty shall cover the REM; or Assignment of Contract to Sell (CTS) with warranty from the developer to buy-back defaulting accounts maybe accepted as collateral for a period of two (2) years.
  • On the third (3rd) year, the Contract to Sell on current status shall be converted into Deed of Absolute Sale with Real Estate Mortgage (REM).
  • CTS accounts that are in default shall be cancelled and the Developer shall be required to buy them back or replace and substitute them with new accounts subject to the Bank’s evaluation.
  • Guaranty of Home Guaranty Corporation (HGC) shall cover the CTS accounts in accordance with policies and guidelines set by the HGC. The HGC Guaranty shall be in the form of a Retail Guaranty Line or through other subsidy mechanism for qualified loan borrowers.

d) LBP EASY HOME LOAN PROGRAM

FEATURES:

  • Minimum loan amount : P500,000.00.
  • Maximum loan amount : Based on the monthly repayment capacity of the borrower.
  • Loan value of collateral : Up to 70% of its appraised value.
  • Repayment term : Up to 20 years.
  • Monthly debt servicing :Thru automatic debit from the borrower’s savings or current account with LANDBANK.
  • Interest Rate : Based on the prevailing rate at the time of availment, fixed for one (1) year and subject to repricing every six (6) months thereafter. (Interest Rate as of January 15, 2004 is 10.5% p.a)

QUALIFIED BORROWERS:

  • Filipino citizens.
  • Corporations or entities which are at least 60% owned by Filipinos.
  • Corporations or entities which have been operating for at least three (3) years.
  • Borrowers who are either gainfully employed or with lawful and profitable business.
  • Borrowers with good credit standing.

ACCEPTABLE LOAN PURPOSES:

  • Purchase of house and lot.
  • Purchase of residential lot within acceptable location.
  • Construction of a residential building owned by the borrower
  • Renovation of existing residential property of the borrower
  • Refinancing of existing housing loan which is not past due or never been past due with other banks or financing firms.

DOCUMENTARY REQUIREMENTS:

  • Certificates of employment and monthly net take home pay of the borrower.
  • Audited financial statements of the business for the last three years.
  • Corporate papers duly registered with the Philippine Security and Exchange Commission.
  • Bio data of major stockholders of the corporation/entity.
  • Financial statements and Income Tax Returns filed with the Bureau of Internal Revenue for the last three years.
  • Copy of True Certificate of Title (TCT) for the offered collateral.
  • Tax Declaration of the offered collateral.
  • Updated Real Estate Tax Payment clearance for the offered collateral.
  • Photograph of the offered collateral.

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#4. China Bank Housing Loan

With China Bank HomePlus, get as much as 80% of the appraised value with low interest rates and longer terms.

Low Fixed Interest Rates — rate fixing periods from “fixed for one (1) year” to “fixed for twenty five (25) years” are available to safeguard you against sudden rate increases

  • Flexible payment terms:
  • Up to 25 years for a house and lot
  • Up to 15 years for vacant lots
  • Up to 10 years for condominium units

Low insurance premiums through CBC Insurance Brokers Inc.
Easy and convenient loan payment via an auto-debit arrangement

With a China Bank HomePlus loan, you can…

  • Purchase a residential lot, house and lot, townhouse or a condominium unit
  • Construct or renovate residential improvements
  • Reimburse recent construction or the purchase of residential property
  • Refinance an existing housing loan with other financial institutions

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#5. PNB Philippine National Bank Housing Loan

Whether you are a first-time home buyer, or a seasoned veteran of the real estate market, you will find PNB Sure Home the ideal solution to your home loan requirements.  Sure Home features a loan amount that is one of the highest in the industry.  Couple this with  one of the lowest interest rates for a loan of this type, and throw in some of the most flexible payment terms available in the market, and you will see why PNB Sure Home is a sure deal for your housing loan needs.

Features:

Purpose

  • Purchase of Lot, House & Lot, Condominium, Townhouse
  • House Construction, Home Improvement
  • Refinancing / Take-out of existing loans

Eligible Borrowers

  • Filipino citizens
  • Natural-born Filipinos who have lost their Filipino citizenship, but up to a maximum lot area of 1,000 sq.m. only
  • Borrower must be at least 21 years of age and must not be more than 65 yrs. of age upon loan maturity
  • Salaried or self-employed with a minimum monthly income of P30K

Term of loan

  • For Lot purchase / Home Improvement – up to 10 yrs.
  • For purchase of House & Lot, Townhouse,
  • Condominium & House Construction – up to 20 yrs.

Collateral

  • Real Estate property to be financed

Loanable Amount

  • Maximum loanable amount shall be the lowest of:
  • Actual Need
  • Paying capacity (only 30% of gross monthly income can be used as amortization)
  • 80% of the appraised value of the property for house & lot, townhouse (if property is the primary residence of the borrower and appraised value is not more than P5.0MM, otherwise, 60% will be used)
  • 60% of the appraised value of the property for lot, condominium
  • Minimum
  • P750K for purchase of house & lot, townhouse & condominium – within Metro Manila; P500K – other areas outside Metro Manila
  • P500K for purchase of lot within Metro Manila; P200K – other areas outside Metro Manila

Interest Rate

Welcome Rates

  • 7.5% fixed for 1 year
  • 8.0% fixed for 2 years
  • 8.5% fixed for 3 years
  • 9.25% fixed for 5 years
  • 10.50% fixed for 10 years
  • 11.50% fixed for 15 years
  • 11.75% fixed for 20 years

Manner of Release

  • Lumpsum for loans to purchase a lot, house and lot, condominium, or townhouse
  • Staggered for loans to construct a house or for home improvement:
  • Maximum of four(4) releases
  • Only interest payment is required during the construction period & is deducted from the second to last release
  • Final release upon 90% completion of construction whereby all loan releases are consolidated into one promissory note

Repayment Scheme

  • Monthly Principal and Interest which shall be adjusted upward or downward depending on the interest rate to be charged for a particular interest period
  • Payments can be made via Automatic Debit Arrangement or Post Dated Checks

Appraisal Fee

  • Minimum of P3,300 (Non-refundable)

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#6. Union Bank of the Philippines Housing Loan

Loanable Amount

  • Minimum loan amount of P500,000
  • Up to 80% of appraised value of property

Interest Rate

  • Prevailing rate at the time of loan release;
  • Fixed for 1 year to 5 years at the borrower’s option, subject to review thereafter

Purpose and Maximum Term of Loan

  • Lot Purchase – 15 years
  • Purchase of house and lot, townhouse, condominium – 20 years
  • House construction and improvement – 20 years

Repayment

  • Monthly amortization of principal and interest via Post Dated Check or Automatic Debit Arrangement

Document Requirements

1. Information on the Collateral

  • a. Copy of the TCT/ CCT
  • b. Lot plan and vicinity map
  • c. Tax Declaration
  • d. Owner’s authorization to appraise the property (with contact person and contact number)

2. Information on Personal Data & Income

  • For Employed Individuals
  • a. Duly filled out Application Form with ID picture
  • b. Certificate of Employment and Compensation
  • c. Latest Payslip
  • d. Photocopy of Marriage Contract (if applicable)
  • e. Photocopy of ID and Community Tax Certificate
  • f. Income Tax Return for the last two years
  • For self-employed Individuals
  • a. Duly filled out application form with ID picture
  • b. Certificate of Business Registration
  • c. Photocopy of Marriage Contract (if applicable)
  • d. Photocopy of ID and Community Tax Certificate
  • e. Financial Statements for the last two (2) years (In-house & Audited)
  • f. Income Tax Return for the last two years
  • g. List of top 5 customers & suppliers with contact persons and telephone numbers
  • h. Bank Statements for the last six (6) months

3. Additional requirements for construction/renovation

  • a. Approved building plan
  • b. Bill of materials and specifications

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#7. HSBC Housing Loan

HSBC now offers LOW Housing Loan Interest. However, a shorter term, which means, lower interest and higher monthly re-payments, compared to other banks, which offers 5 to 20 years, and Pag-ibig, up to 30 years.

By the way, here is the table of HSBC Interest Rates

Low Interest Rates

Enjoy big savings when you get an HSBC Home Loan.

Repricing Period1 Interest Rate2
Quarterly 5.75%
1 year 5.75%
2 years 7.75%
3 years 8.50%
5 years 8.99%

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#8. BPI Bank of the Philippine Islands Housing Loan

Frequently Asked Questions

1. Who are eligible to apply for a BPI Family Housing Loan?

  • Filipino citizens, of legal age but not more than 65 years old upon maturity of the loan.
  • Foreign nationals are allowed for condominium purchases only.
  • If you are a foreign national and married to a Filipino citizen, you may acquire a house and lot  provided you first execute an Affidavit of Support and Waiver of Rights over the collateral property.

2. How much can I borrow?

  • Minimum of P400,000
  • Maximum of 70% of appraised value of house and lot
  • Maximum of 60% of appraised value of vacant lot or residential condominium
  • Up to 80% of appraised value of house & lot not to exceed P5M (provided applicant is employed and purpose is for owner occupancy)

3. How much should my minimum total household income be to qualify for a loan?

  • Minimum of P40,000

4. What are the loan terms available?

  • Maximum of 25 years for house and lot
  • Maximum of 10 years for vacant lot, residential condominium, business loan, refinancing, or multi-purpose loans

5. What are the requirements to apply and avail of a loan?

  • View complete list of Pre-processing and Post Approval requirements

Checklist of Requirements

PRE-PROCESSING REQUIREMENTS

A. Housing Loan Application Form

  • Duly accomplished Application Form
  • 2 valid Identitifcation Cards
  • If married, both spouses to sign on the application form
  • If with co-borrower or co-mortgagor, separate application form is needed

B. Income Documents

If locally employed (working within the Philippines)

  • Certificate of Employment (COE) indicating salary, position and length of service
  • Latest Income Tax Return (ITR) for the last 2 years

If Expat Pinoy (Overseas Filipino Worker)

  • Contract / Certificate of Employment (COE) authenticated by Philippine Consulate
  • Crew Contract and Exit Pass validated by POEA (seaman)
  • Proof of monthly remittances
  • Notarized or authenticated Special Power of Attorney (BPI FSB Format)

If Self-employed

  • Articles of Incorporation and By-Laws with SEC Registration Certificate
  • Audited Financial Statements for the last 2 years
  • DTI Registration
  • Income Tax Return w/ Statement of Assets and Liabilities (SAL) for last 2 yrs
  • List of Trade References (at least 3 names with telephone nos. of major suppliers/customers)
  • Bank Statements for the past 6 months

If Practicing Doctor

  • Clinic address/es and schedule

If from Commission

  • Vouchers or Bank Statements (last 6 months reflecting commission income)

If from Rental of Properties

  • Rental/Lease Contract (indicating name of tenants and rental amounts with complete  addresses of properties being rented)
  • Photocopy of Title (TCT/CCT)

C. Collateral Documents

  • Clear copy of Owner’s Duplicate Copy of TCT/CCT
  • Lot Plan with Location/Vicinity Map certified by licensed Geodetic Engineer
  • Photocopy of Tax declaration / Tax receipts / Tax clearance
  • Endorsement Letter / computation sheet / Contract to Sell from developer stating the Contract Price (for accredited developer/project)

HOUSING POST-BOOKING FAQ’s

I. Payment

Q1. What are the modes of payment available?

You have several choices and these are:

  • Auto Debit Arrangement (ADA) – payment will be automatically deducted from your account
  • Over the Counter (OTC)
  • Express Mobile – through BPI Mobile text facility
  • Express Phone – call 89-100
  • Express Online – log on to www.bpiexpressonline.com

Q2. How can I pay thru ADA?

Follow these steps:

  • Open an account in any BPI or BPI Family Savings Bank branch
  • Enroll it as your settlement account using a form that the branch will provide
  • Submit the accomplished form to the branch.

Q3. In case I need to be assured if my account has been enrolled in ADA, what numbers can I call to confirm?

Call any of the following numbers:

  • 89-100 hotline.
  • 754-69-21, 754-69-60 for customer service
  • 754-69-10 for housing collection.

Q4. Assuming my loan account was already enrolled in ADA, what happens next?

  • The bank will automatically debit your ADA account on your due date for your monthly amortization and/or any amount due e.g. insurance premium, late payment charges, etc.

Q5. How do I pay for my loan over-the-counter?

  • Pay in any BPI or BPI Family Savings Bank branch by accomplishing the deposit slip as follows:
  • Fill in the Special Banking Arrangement (SBA) number in the account number boxes:
  • For BPI branches- (SBA#) 0011140386
  • For BPI-FSB branches – (SBA#) 7993000013
  • Put in HOUSING LOAN in the Account name/Merchant’s name space
  • Put in your Loan Account Number in the Reference no. space
  • Fill in client’s full name in the Planholder’s name space

Q6. How do I pay my loan using a check?

Follow the steps in Q5 plus ensure that:

  • Check is made payable to BPI Family Savings Bank, Inc.
  • Loan Account Number should be written at the back of the check.
  • Pay before the clearing cut-off time for the payment to be considered for the day.

Q7. How do I avoid late payment charges?

  • For over the counter, pay on or before the due date. For ADA accounts, ensure that there are enough funds to cover the monthly amortization and/or any amount due. In case due date falls on a weekend or non working day, debit will be made in the next banking day.

Q8. If I receive text messages and notices regarding my account, what numbers can I call?

Call any of the following numbers:

  • 89-100 hotline.
  • 754-69-21, 754-63-44 for customer service
  • 754-69-10 for housing collection

II. Release of Collaterals for Fully Paid Housing Loan

Q9. From the date of full payment, in how many days can I get my collateral documents?

  • All collateral documents will be available after 15 banking days from date of full payment.”
  • Claim the documents at the BPI Family Savings Bank Head Office, Mezzanine Floor, Paseo de Roxas corner Dela Rosa Street, Makati City.

Q10. Who can claim the collateral documents of the fully paid loan?

  • Only the borrower/s and mortgagors whose name/s appear on the collateral document and their authorized representatives (if client/s is not physically able) can claim the collateral documents.

Q11. What are the requirements in claiming the collateral documents?

  • The borrower should present a valid ID. If there is more than one borrower, each should present a valid ID.
  • In cases where all borrowers are not physically present – valid ID of each borrower, valid ID of the representative and authorization letter signed by all borrowers.”
  • In cases where borrowers are out of the country – SPA with the seal of the Philippine Consular Office, copy of valid ID of each borrower and valid ID of representative.

Q12. If one of the borrowers/spouses has passed away, what are the requirements in claiming the collateral documents?

These are the requirements:

  • Certified true copy of Borrower’s Death Certificate
  • Extra-Judicial Settlement
  • Affidavit of Publication and its Official Receipt
  • Authorization Letter and IDs of other heirs
  • Court Decision, in case of annulled marriage and for spouses or surviving spouse as the owner approved by the court.
  • Court Decision, as to Guardianship if the heir is a minor

Q13. I was out of the country for two (2) years and I was not able to get the collateral documents of my fully paid loan, how do I go about it?

  • Claim the documents at the BPI Family Savings Bank Head Office, Mezzanine Floor, Paseo de Roxas corner Dela Rosa Street, Makati City.
  • Please note that the Bank notifies clients who are not able to claim their collateral documents within 6 months from date of full payment. A possible charge of warehousing fee will be collected if the documents are not claimed within a certain period from the date of receipt of the notice.

III. Others

Q14. My address, contact info. has changed, what should I do?

  • For change of address / contact information, send letter of request to Customer Service Section, Mezzanine floor, BPI Family Savings Bank Center Paseo Cor., Dela Rosa Sts., Makati City. You can also fax it to 754-68-44 or 754-67-36.
  • You may also call our customer hotline 89-100.

Q15. If I have other questions what numbers can I call?

Call any of the following numbers:

  • 89-100 hotline.
  • 754-69-21, 754-67-34 for customer service
  • 754-69-10 for housing collection

NOTE: The above information might change as needed.

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REFERENCE:

  • LBP Land Bank of the Philippines Reference Link: Click here
  • PNB Philippine National Bank Reference Link: Click here
  • BPI Bank of the Philippine Islands Reference Link: Click here

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Another Helpful Tool

To Estimate Your Monthly Repayment is the

Mortgage Calculator

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NOTE: The following list does not represent a complete list of the Bank in the Philippines.

Our main goal in this post is to provide you a handy information that will help you establish your thoughts into preparing:

  • what documents you need to have right now in preparation of your housing loan
  • how much is the equity or down payment required on your part to avail the loan
  • what bank is the best for you in terms of the number of years of loan
  • how much your monthly repayments will be.

We sincerely hope that this post will help you in some ways.

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